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Prosper loan stats

ATTENTION: YOU ARE VIEWING AN OLD PAGE. MOST STATS ARE NO LONGER UPDATED AND ONLY REFLECT AN OLD STATUS OF PROSPER LOANS IN DECEMBER 2007 FOR HISTORICAL REASONS

 

 
Loan status history for listing 75713
Listing #
Borrower
Borrower rate
Credit grade
Amount
Group
Status switch to
Time status change was detected
75713 legacy2009 27.00% E 25000.00   Late Jul-25-2007
75713 legacy2009 27.00% E 25000.00   1 month late Aug-11-2007
75713 legacy2009 27.00% E 25000.00   2 months late Sep-15-2007
75713 legacy2009 27.00% E 25000.00   3 months late Oct-11-2007
wiseclerk.com
Important note: Tracking of complete Status information started Feb. 2007
From July 2006 to January 2007 only changes between "Current" and any other loan status were reported. Therefore the incident of a loan switching from "Late" to "1 month late" was not reported before Feb. 2007
No status changes before July 2006 were tracked

Listing Description:

Hi my name is Tim.  Pictured are me, my son Giordan (2yrs), wife Gigi, and daughter Hunter (7yrs).  This is a re-list…my first listing funded 64%, and I learned a lot about what my listing was lacking to make it to 100%…so here is my second attempt with more information.  

About Me:  

I am a military veteran…I served 8 yrs in the U.S. Marines.  I am employed full-time as a cost accounting manager with a $70,000 annual income, plus bonus and annual increases.  I am also a law student studying 20 hours a week in my second year scheduled to graduate in 2009.  I also have a seasonal tax preparation business that I have been building since 2003, which is expected to earn $35,000 this year (not included in DTI or Budget).  

Why I'm Asking For a Loan:  

In the recent past I made some home improvements and funded my business with my credit cards using almost my maximum available credit.  This took nearly 100 points off my credit score, and I should not have done things that way, but I learned a valuable lesson.  Now, I am asking for a loan to consolidate credit cards, and fund my business for the next 4 months with working capital and reserves.    In addition, by consolidating my credit cards and paying off high balances, I should be able to increase my credit score, enabling me to refinance my house and consolidate debt that is not taken care of in this loan, pay off this loan, and if anything is left in equity further capitalize my business.  

Use of Funds From This Loan:  

$250 prosper lending fee
$14,750 to consolidate credit card debt
$5,000 for business working capital
$5,000 for business reserves  

My Budget:  

Monthly Gross: $5,833.33  

Monthly Net: $4,837.32  

Monthly Expenses (before prosper loan):  

Mortgage: $1,304
Car Loan: $385
Credit Cards: $521
Honda Loan: $69
Furniture Loan: $112
Food: $200
Insurance: $129
Gas: $150
Phone/Cable: $71.50
Utilities: $105
Tuition Payments: $100
Total: $3,146.50  

Available: $1,690.82  

Monthly Expenses (after prosper loan):  

Mortgage: $1,304
Prosper Loan: $1,041
Car Loan: $385
Credit Cards: $35
Honda Loan: $69
Furniture Loan: $112
Food: $200
Insurance: $129
Gas: $150
Phone/Cable: $71.50
Utilities: $105
Tuition Payments: $100
Total: $3,701.50  

Remaining Available: $1,135.82  

Conclusion:  

As you can see I am a good credit risk despite my credit score as it is now.  I hope you can help me reach my goals with this loan.  If you have other questions visit my profile where I have uploaded my pay stub, and my bank balance.  Thank you and God Bless!
  

Images for this prosper listing:

Prosper loan listing 75713
Prosper loan listing 75713
Prosper loan listing 75713
Prosper loan listing 75713






Wiseclerk.com is neither affiliated with nor endorsed by Prosper Marketplace Inc.. Please note that data collected represents only a sample taken at a specific time. While data is updated frequently it is not real time. You are therefore advised to always check the current data at Prosper.com.
This site shows reports based on data openly available at Prosper.com. While reports are calculated with care, there can be no guarantee for the accuracy of data in these reports. You should treat all displays as estimates or approximations aimed to give you a first overview.